Hey all my name is Laurence I’m a brand new member of np I  live in Orlando fl I’ve listened to about 100 episodes of the podcast I have zero real estate experience I’m looking to buy my first property to house hack this year I have a decent amount of money in the savings account I could use for a down payment also have a good credit score I don’t have a high monthly income unfortunately but just looking for any advice or tips or friends to bounce ideas off I’m debating which market would be better between the central Florida area or the Tampa area I also would love to get involved in flips at some point 

What's your experience been like investing with DLP capital partners?

Basically your time, resources and experience will dictate this ppsf. 

Here are some warning signs I’ve come across, but I’d love to hear your experiences:1️⃣ Upfront Fees – Are application, due diligence, or "insurance" fees ever legitimate?

Even though it's already decided to move forward with Smarter Contact, it'd be great to hear others' experiences using Smarter Contact and to see if disabling the opt-out msg has been... detrimental or better.

Sorry to hear about the investment going sideways and credit to you for sharing your experience on here.

[In my scenario below, I was thinking about a share of the equity upon refi (what @Jack Pasmore called "the kicker" or share of the upside) since I don't think the seller would agree the property values at only $450K, even though that's what the rent and NOI say]@Jeremy Dugan In my experience, such a "kicker" is only present when the other party is an "investor" rather than the "lender".

Even when the market is down, gradually adjust rents so tenants don’t experience a huge price shock later.

Only experience is renting out my first home in Springfield, VA when I was in the Navy.

It is also worth noting that property management is often closer to 30% of gross rent for a short-term rental due to the much more intensive hands-on management compared to a typical 10% for long-term and as such, I agree with recommendations above that medium term rentals may provide the best of both worlds if you are able to tailor proximity to a local need, e.g. hospitals and travel nurses.Again, happy to relay my personal experiences in the area if you're interested.Best of luck,Patrick